12. BANKING
12.1 Scheduled Banks Operating in Pakistan
Pakistani
Banks
Public Sector Banks
Nationalized Banks
1. First Women Bank Limited
2. National Bank of Pakistan
Specialized Banks
1. Industrial Development Bank of Pakistan (IDBP)
2. Punjab Provincial Co-operative Bank Limited (PPCB)
3. Zarai Traqiati Bank Limited
4. SME Bank Ltd.
Provincial Banks
1. The Bank of Khyber
2. The Bank of Punjab
Private Domestic Banks
Privatized Bank
1. Allied Bank of Pakistan Limited
2. Muslim Commercial Bank Limited
3. United Bank Limited
4. Habib Bank Ltd.
Private Banks
1. Askari Commercial Bank Limited
2. Bank Al-Falah Ltd.
3. Bank Al-Habib Ltd.
4. Bolan Bank Ltd.
5. Faysal Bank Ltd.
6. KASB Bank Limited
7. Meezan Bank Ltd.
8. Metropolitan Bank Ltd
9. Prime Commercial Bank Ltd.
10. PICIC Commercial Bank Ltd.
11. Saudi-Pak Commercial Bank Limited
12. Soneri Bank Ltd.
13. Union Bank Ltd.
Contd.
139
12.1 Scheduled Banks Operating in Pakistan
Private Banks
14. Crescent Commercial Bank Ltd.
15. Dawood bank Ltd.
16. NDLC - IFIC Bank Ltd.
Foreign Banks
1. ABN AMRO Bank NV
2. Al-Baraka Islamic Bank BSC
3. American Express Bank Ltd.
4. Citi Bank NA
5. Deutsche Bank AE
6. Habib Bank AG Zurich
7. Oman International Bank SAOG
8. Rupali Bank Ltd
9. Standard Chartered Bank Ltd.
10. The Bank of Tokyo-Mitsubishi Ltd.
11. The Hong Kong & Shanghai Banking Corporation Ltd.
Source: SBP
Note:
Banks operating as on 30th June, 2004
140
12.2 State Bank of Pakistan - Assets of the Issue
Department
(Million Rupees)
Last Day of June
2003
2004
2005
522,891.0
611,903.7
705,865.7
500,898.2
562,214.7
538,771.3
41,246.5
47,532.1
53,870.0
459,116.6
514,138.8
484,901.3
535.2
543.8
539.0
20,988.3
48,549.2
165,842.3
18,558.7
45,671.5
62,802.6
2,429.6
2,877.7
3,039.7
Particulars
Total Assets
1. Gold & Foreign Assets
i) Gold
ii) Approved Foreign Exchange
iii) Government of India Notes
2. Domestic Assets
i) Govt.of Pakistan Securities
ii) Other Assets
3. Assets held with Reserve
Bank of India
1,004.5
1,139.8
1,252.0
12.3 State Bank of Pakistan - Liabilities and Assets
of the Banking Department
(Million Rupees)
Last Day of June
2003
2004
2005
Particulars
LIABILITIES:
Deposits:
Federal Government
Provincial Government
Banks
Others
Other Liabilities
Total Liabilities or Assets
ASSET:
Notes
Government
Debtor Balance
Loans & Advances
Investments
Balance held Outside
Pakistan
Other Assets
Source: SBP
141
36,841.9
32,836.0
140,989.7
285,682.1
93,523.9
589,873.5
2,681.5
34,207.5
156,204.2
273,562.7
102,986.4
569,642.3
47,286.1
45,632.0
196,302.3
273,550.2
125,878.7
688,649.3
214.2
160.8
145.6
157,934.3
134,112.9
5,533.1
183,132.9
124,564.0
10,814.0
197,241.3
199,272.6
104,384.1
193,227.4
132,021.4
124,230.1
139,513.0
141,662.4
12.4 Scheduled Banks and their Branches Operating
in Pakistan as on the Last Day of June
2003
Schedule Banks
No.
2004
Branches
No.
2005
Branches
No.
Branches
Pakistan
1. Domestic
2. Foreign
Total
25
16
41
7115
81
7196
1. Domestic
2. Foreign
Total
25
10
35
4046
37
4083
1. Domestic
2. Foreign
Total
25
16
41
1464
42
1506
1. Domestic
2. Foreign
Total
22
1
23
973
1
974
1. Domestic
2. Foreign
Total
Azad Kashmir
22
1
23
20
283
1
284
349
1. Domestic
2. Foreign
Total
24
5
29
138
8
146
28
11
39
6947
81
7028
28
11
39
7155
93
7248
27
8
35
3802
29
3831
27
8
35
3917
35
3952
27
11
38
1408
81
1489
27
11
38
1515
46
1561
23
1
24
Balochistan
22
1
23
19
Islamabad
27
5
32
952
1
953
25
1
26
963
1
964
269
1
270
336
22
1
23
20
275
1
276
330
140
9
149
27
5
32
155
10
165
Punjab
Sindh
NWFP
12.5 Bank Credit to Private and Public Sector
(Million Rupees)
Sector
2003
Private Sector @
Public Sector (a)
Total (b)
996,190
74,047
1,070,237
Source: SBP @ Includes credit to PESs/Autonomous Bodies
(a) Refers to advances given by scheduled banks to Govt. for financing commodity
operations.
(b) Comprises scheduled banks advances excluding inter bank advance but including
foreign currency loans of ADBP & IDBP bills purchased & discounted.
142
Last Day of June
2004
1,292,073
65,873
1,357,946
2005
1,809,386
87,836
1,897,222
12.6 Consolidated Position of Scheduled Banks
Selected Items
(Million Rupees)
Last Day of June
2003
2004 (R)
2005
Item
No. of Reporting Scheduled
Banks
40
39
39
848,622
923,164
137,882
21,243
28,551
112,230
468,312
2,540,004
1,092,234
1,052,428
162,335
9,872
27,479
131,225
527,452
3,003,025
1,304,774
1,269,789
185,068
6,245
22,243
190,652
645,616
3,624,387
30,415
36,432
43,462
171,383
188,168
237,113
74,013
28,686
1,069,512
723,626
442,369
65,782
30,444
1,358,009
781,383
542,807
123,404
22,166
1,801,161
729,334
667,747
Reserves:
Total Statutory Reserves on
Demand & Time Liabilities
90,017
108,607
129,840
Excess Reserves
50,060
42,799
58,252
Liabilities:
Total Demand Liabilities
Total Time Liabilities
Borrowing from State Bank
Borrowing from Banks Abraod
Call Money
Paid up Capital
Other Liabilities.
Total Liabilities
Assets:
Cash in Pakistan
Balance with State Bank
and Other Banks
Foreign Currency Held in
Pakistan & Balances with
Banks Abroad
Call Money
Total Bank Credit
Total Investment
Other Assets
Source: SBP
143
12.7 Classification of Scheduled Banks Advances by
Borrowers
Groups
A. Foreign Constituents
B. Domestic Constituents
i. Government
ii. Public Sector Enterprises
iii. Non Banking Financial Inst.
iv. Private Sector Enterprises
v. Trust Funds & Nonprofit
Organizations
vi. Personal
vii. Other Activities not
Adequately Described
Total (A+B)
(Million Rupees)
As on 31st December
2002
2003
2004
936,194.7
1,095,749 1,535,891.5
74,689.2
37,455.8
58,255.7
81,400.0
53,163.7
80,929.9
10,759.5
21,487.1
35,444.3
679,322.5
835,684.7 1,135,797.3
8,482.9
77,324.2
4,216.4
936,194.7
143,911.0
128,449.3
13,029.2
203,725.3
5,117.4
8,709.8
1,095,749 1,535,891.5
12.8 Weighted Average Rates of Return on PLS
Deposits for all Banks in Pakistan. (% per Annum)
Last Day of June
2004
2.13
1.13
1.76
0.99
Categories of Deposits
2003
1.
2.
3.
4.
5.
Current Deposits
Call Deposits
Other Deposit Accounts
Saving Deposits
Fixed Deposits:
i. Less than 3 months
ii. For 3 months and over
but less than 6 months
iii. For 6 months and over
but less than one year
iv. For 1 year and over
but less than 2 years
v. For 2 years and over
but less than 3 years
vi. For 3 years and over
but less than 4 years
vii. For 4 years and over
but less than 5 years
viii. For 5 years and over
6. Total Deposits
Source: SBP
144
2005
1.40
0.11
1.29
2.05
1.23
3.18
2.34
1.52
3.75
3.01
2.21
4.35
3.17
2.78
4.37
3.44
2.81
3.99
3.85
3.01
4.03
4.36
4.71
2.17
2.95
3.22
1.31
3.84
3.99
1.98